Choose deferred payment and decide when to pay
Defer your purchases in just two clicks
You can finance them as you wish from €60
Enter the customer area:
1. Select one of your credit cards.
2. Select the purchase worth over €60 that you want to defer. You have from 2 to 36 months to pay for it.
Defer all the purchases worth over €60 that you want
If you prefer, you can always carry out the process from the App:
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Enjoy your purchases and pay in instalments with Openbank Visa Cards
Open Credit Card
Deferred purchases have an interest rate of 1.39% nominal monthly (16.67% annual NIR, APR 18.00 %)1.
Premium Card Pack (credit and debit)
Deferred purchases have an interest rate of 0.79 % nominal monthly (9.57 % annual NIR, APR 10.00 %)2.
Diamond Card Pack (credit and debit)
Deferred purchases have an interest rate of 0.79 % nominal monthly (9.57 % annual NIR, APR 10.00 %)3.
You can get cashback of
up to €1,000 this summer!
When you defer your purchases or payments
Until 13/09/2019
​​​​​​​Examples of paying in instalments with Openbank Visa cards
1. Example of payment in instalments with Open Credit of €1,000 made on the 1st of the month, with a regular payment method involving a fixed repayment over 12 months, on the assumption that there are no more deferred purchases in that period and there is no breach of the terms and conditions of the contract. Annual nominal interest rate: 16.67%; APR 18.00%; 11 repayments of €91.05 and a final payment of €91.03. Total amount of the credit: €1,000. Total amount owed: €1,092.58. Total cost of the credit: €92.58. The APR and total amount that the holder must pay are calculated on the assumption that the contract will remain in force for its entire duration and that the parties fulfil their obligations within the agreed conditions and deadlines.
2. Example of payment in instalments with Premium Credit of €1,000 made on the 1st of the month, with a regular payment method involving a fixed repayment over 12 months, on the assumption that there are no more deferred purchases in that period and there is no breach of the terms and conditions of the contract. Annual nominal interest rate: 9,57%; APR 10,00%; 11 repayments of €87.72 and a final repayment of €87.67. Total amount of the credit: €1,000. Total amount owed: €1,052.59. Total cost of the credit: €52.59. The APR and total amount that the holder must pay are calculated on the assumption that the contract will remain in force for its entire duration and that the parties fulfil their obligations within the agreed conditions and deadlines.
3. Example of payment in instalments with Diamond Credit of €1,000 made on the 1st of the month, with a regular payment method involving a fixed repayment over 12 months, on the assumption that there are no more deferred purchases in that period and there is no breach of the terms and conditions of the contract. Annual nominal interest rate: 9,57%; APR 10,00%; 11 repayments of €87.72and a final repayment of €87.67. Total amount of the credit: €1,000. Total amount owed: €1,052.59. Total cost of the credit: €52.59. The APR and total amount that the holder must pay are calculated on the assumption that the contract will remain in force for its entire duration and that the parties fulfil their obligations within the agreed conditions and deadlines.
​​​​​​​* The maximum cashback amount is up to €30 net. The bonus is a capital yield subject to a cash withholding of 19% that will be applied by the Bank and the remaining sum will be credited to the customer. The customer will declare this capital yield in their personal income tax return as savings, deducting the withholding applied.
